TellerScore

North Dallas Bank & Trust Co. is a state-chartered bank headquartered in Dallas, Texas, in business for about 65 years. At the end of Q2 2026 it reported $1.8B in total assets and $1.6B in deposits, with 6 offices.

Based on its Q2 2026 filing, North Dallas Bank & Trust Co. scores 51/100, which we describe as below average. That is higher than only 8% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 326th. Its strongest component is problem-loan coverage (81/100; 9.3%), and its lowest is earnings (40/100; 0.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.22%
Loan quality49/100
Noncurrent loans ÷ total loans: 1.54%
Earnings40/100
Return on assets (annualized): 0.49%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 79.5% · 42.7% uninsured
Problem-loan coverage81/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.35%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 12 points (63 → 51), mostly because the loan quality component weakened by 49 points.

TellerScore
515864Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202462
Q3 202462
Q4 202461
Q1 202562
Q2 202563
Q3 202564
Q4 202564
Q1 202663
Q2 202651
Tier 1 leverage ratio
5.00%7.61%10.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.57%
Q3 20249.59%
Q4 20249.32%
Q1 20259.46%
Q2 20259.56%
Q3 20259.69%
Q4 20259.74%
Q1 20269.95%
Q2 202610.22%
Noncurrent loans
0.00%0.77%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.03%
Q4 20240.02%
Q1 20250.02%
Q2 20250.05%
Q3 20250.06%
Q4 20250.05%
Q1 20260.05%
Q2 20261.54%
Return on assets
0.16%0.32%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.19%
Q3 20240.16%
Q4 20240.19%
Q1 20250.28%
Q2 20250.36%
Q3 20250.39%
Q4 20250.46%
Q1 20260.38%
Q2 20260.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$1.8B10.22%1.54%0.49%79.5%
Q1 202663$1.9B9.95%0.05%0.38%79.4%
Q4 202564$1.9B9.74%0.05%0.46%78.8%
Q3 202564$1.9B9.69%0.06%0.39%79.5%
Q2 202563$1.9B9.56%0.05%0.36%79.0%
Q1 202562$1.9B9.46%0.02%0.28%76.8%
Q4 202461$1.9B9.32%0.02%0.19%75.9%
Q3 202462$1.9B9.59%0.03%0.16%77.3%
Q2 202462$1.8B9.57%0.00%0.19%80.7%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.22%
43rd
Total risk-based capital0.00%
13th
Problem loans1.54%
15th
Net charge-offs0.03%
55th
Return on assets0.49%
8th
Net interest margin2.60%
6th
Efficiency ratio78.1%
9th
Loans to deposits79.5%
68th
Uninsured deposits42.7%
21st
Loan-loss reserves1.58%
89th
Texas ratio9.3%
19th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of Central TexasBank Waco, TX81 out of 100, Strong$1.8B10.8%0.10%vs
First State BankBank Gainesville, TX61 out of 100, Moderate$1.9B9.6%0.94%vs
American Bank of CommerceBank Wolfforth, TX68 out of 100, Moderate$1.9B9.6%0.15%vs
FirstBank SouthwestBank Amarillo, TX73 out of 100, Strong$1.9B11.2%0.41%vs
Commercial Bank of Texas, National AssociationBank Nacogdoches, TX77 out of 100, Strong$1.7B10.6%0.14%vs
First State Bank of UvaldeBank Uvalde, TX75 out of 100, Strong$1.7B15.7%1.27%vs

Deposit insurance

Is my money safe at North Dallas Bank & Trust Co.?

Yes. North Dallas Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #18355). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 42.7% of deposits ($664.4M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.22%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

North Dallas Bank & Trust Co. lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, North Dallas Bank & Trust Co. reported 106 home-loan applications under HMDA (LEI FYRC3KHM4DQBX5PWG390): 66 originated ($46,050,000 total), 19 denied, and 15 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
North Dallas Bank & Trust Co.
Type
State-chartered bank
FDIC certificate #
18355
RSSD ID
490450
Primary regulator
FDIC
Established
March 20, 1961
Headquarters
12900 Preston Rd, Dallas, TX 75230
Employees
183

Quick answers

North Dallas Bank & Trust Co.: common questions

Is North Dallas Bank & Trust Co. FDIC insured?

Yes. North Dallas Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #18355). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is North Dallas Bank & Trust Co.'s TellerScore?

51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has North Dallas Bank & Trust Co. ever failed?

There is no failure record for FDIC certificate #18355 in the FDIC failed bank list.

How many branches does North Dallas Bank & Trust Co. have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dallas

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs
Safe 1 Credit UnionCredit union Bakersfield, CA90 out of 100, Very strong$1.2B16.0%0.37%vs